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Commitment to Clients and Community

Anthony and Carter each bring more than 18 years of mortgage experience. They combine deep market knowledge with a client-first approach. Over the years, they have helped hundreds of families and individuals achieve homeownership and financial stability.

Why This Recognition Matters

FastExpert evaluates performance, client satisfaction, and industry expertise. Ranking as the top two loan officers in Draper confirms Anthony and Carter’s ability to deliver results. They guide clients through every step, from first-time purchases to refinancing and investment property loans.

For homebuyers searching for the best loan officers in Draper, Utah, Anthony and Carter offer clear solutions tailored to each client’s needs. Their process makes financing simple, predictable, and stress-free.

About Houzd Mortgage

Houzd Mortgage, based in Draper, Utah, helps families and investors secure financing with confidence. The company focuses on education, communication, and long-term planning. This approach empowers clients to make informed decisions that align with their goals.

For more information about Houzd Mortgage click here or contact Houzd Mortgage directly.

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Why this recognition matters

Expertise.com vets local pros using licensing checks, review analysis, service capabilities, and even mystery-shopping calls to gauge knowledge, friendliness, and professionalism.

Translation: they don’t just look at pretty websites. They test the experience.

On the Sandy list, our profile highlights the stuff we do every day: FHA, VA, USDA, Conventional, and Jumbo options, plus help with state down-payment assistance—especially for first-time buyers.

If you’re looking for a calm guide in a chaotic market, that’s us.

What the listing says about Houzd

• Local + accessible: Our office is at 11550 S 700 E STE 100 Draper UT 84020
• Proven programs: Government-backed and conventional options, tailored to your price point and timeline
• Reputation that lasts: Expertise surfaced our review footprint (including a strong Google rating) as part of its scoring. We work hard to earn those stars one closing at a time.

What it means for you

Recognition like this just means more buyers and agents know they can trust us to close on time, keep deals together, and guide clients through the mortgage process without the overwhelm.

Whether you’re a first-time homebuyer in Sandy, upsizing in Draper, or relocating anywhere in Utah, we’ll help you compare your loan options, understand the numbers, and navigate every step from pre-approval to keys in hand.

If you want a top-rated Utah mortgage broker in your corner, give us a call!

Let’s make your home purchase or refinance smooth, smart, and stress-free.

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What is a 1-0 Buydown in a Rate Buydown Utah Mortgage?

A 1-0 buydown temporarily lowers your mortgage interest rate for the first year. Think of it as training wheels for your payment—it gives you breathing room as you grow into your mortgage.

Year 1: Lower rate — in Johnny’s case, 5.625% (APR 6.887%)
Year 2 and beyond: Reverts to the full fixed rate

Right now, Houzd Mortgage is offering special pricing on 1-0 Buydowns for both purchases and refinances—which means you can ease into homeownership without the upfront payment shock.

Johnny’s Story

With the 1-0 Buydown, Johnny’s monthly payment dropped by $250 in the first year. That made his home affordable today—not someday.

And since Johnny gets a raise every year at work, he knew stepping into a full mortgage later would be manageable.

Here’s the kicker: The seller paid for the buydown.

He didn’t have to come up with extra cash. He just had to have the right strategy—and the right lender.

Now, Johnny is building equity in his own home instead of waiting for the “perfect” moment (spoiler alert: it rarely shows up).

Why a Rate Buydown Utah Mortgage Works Right Now

Utah’s housing market remains competitive, and many sellers are offering concessions. That opens the door for smart strategies like 1-0 Buydowns—especially when you’re expecting your income to grow or planning to refinance when rates drop.

Whether you’re buying in Salt Lake City, Draper, Sandy, South Jordan, or Lehi, this approach could make homeownership more affordable than you think.

Is a 1-0 Buydown Right for You?

You’re expecting a raise or income growth
You want to ease into your mortgage payment
You plan to refinance when rates improve
You’re buying in a seller’s market with room to negotiate concessions

Let’s Run the Numbers

Whether you’re looking to purchase or refinance, our team at Houzd Mortgage can help you see if you qualify for a Rate Buydown.

Call or text us to explore your options.

Waiting rarely builds wealth—but smart strategy does.

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A Trusted Mortgage Broker in Utah

The FastExpert rankings are based on performance, verified client reviews, and quality of service. VanDyke’s inclusion on the list is a testament to the experience he brings to every transaction and the relationships he builds with both homebuyers and real estate professionals throughout the Salt Lake Valley and surrounding areas.

Clients working with Anthony VanDyke and the Houzd Mortgage team benefit from:

• Clear, consistent communication throughout the loan process
• Competitive rates and creative solutions—even in complex scenarios
• Fast, on-time closings
• Personalized guidance from a broker who understands the local Utah housing market

Whether assisting first-time homebuyers, move-up buyers, or those refinancing, Anthony focuses on helping clients make confident, informed decisions that support their long-term financial goals.

Serving Salt Lake City and Beyond

As a top mortgage loan officer in Salt Lake City, Anthony VanDyke has built his business on trust, results, and referrals. His approach combines expert knowledge with a people-first mindset—earning the loyalty of past clients and real estate agents alike.

If you’re looking for a mortgage expert in Utah who delivers smart strategies and a smooth loan process, Houzd Mortgage is ready to help.

—

Anthony VanDyke
Top Mortgage Loan Officer– Salt Lake City, UT
NMLS #247108 | Houzd Mortgage

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This recognition isn’t just about numbers (although they’re impressive). It’s about consistency, trust, and results in a fast-moving real estate market where clients need a lender who shows up, stands out, and delivers.

Why Carter?

Local Expertise: As a Utah native and Salt Lake City mortgage expert, Carter knows this market like the back of his hand. Whether it’s a first-time buyer in Sugar House or a seasoned investor in Draper, he tailors every mortgage strategy with clarity and confidence.

Proven Results: Carter helped numerous families in the last 12 months—many of them with complex deals, tight timelines, or creative financing needs. Realtors trust him because he gets deals closed on time and as promised.

Client-First Approach: At Houzd Mortgage, we lead with transparency and guidance. Carter and his team are known for taking the time to explain every detail, helping buyers feel informed—not overwhelmed—throughout the loan process.

What This Means for You

If you’re shopping for a mortgage in Utah, there’s no better person to have in your corner than someone ranked among the very best.

Whether you’re buying your first home, refinancing, or planning your next move, Carter Campbell has the tools, experience, and team to make it happen—smoothly and stress-free.

Want to Work With One of Salt Lake’s Best?

Contact Carter Campbell at Houzd Mortgage today to get started—or refer a friend who needs a trusted loan officer in Salt Lake City.

(801) 206-9379

carter.campbell@houzd.com

Serving Salt Lake County, Utah County, Davis County, and beyond.

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